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 Recommendation for Credit Cards V2, Please post according to Format stated.

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adele123
post Dec 2 2014, 03:37 PM

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QUOTE(AhJetz @ Dec 2 2014, 02:19 PM)
1. Annual Income: RM24k

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Cashback/rebate, sometimes for dining and movies

4. Existing credit cards if any: nil. applying for first credit card

5. Looking at CC from: No specific, please recommend

6. Others: Looking to apply my first credit card as I mainly will use it for my petrol and maybe occasionally for dining and movies as well.
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UOB one
Mbb2card but min income 30k… can squeeze through?
Cimb cash rebate (although only at 2% rebate for petrol, at least no annual fee and no limit like uob one)

QUOTE(cruel_boy @ Dec 2 2014, 03:28 PM)
most of my cc expenses are charged on mbb visa now. since im not at KL, its very hard to make payments for maxis, astro, digi, insurance using amex during weekends. those 4 already accounts for almost rm500. And that doesn't includes other expenses like occasional dining, shopping.

But yes, i need to consider the cons too especially the rm50 gst. thanks for reminding me about it. I didn't factor that in  doh.gif
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1st year GST is usually waived. maybe you can get it for one year, you know, testing. see if you can cover back
adele123
post Dec 2 2014, 04:11 PM

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QUOTE(AhJetz @ Dec 2 2014, 04:07 PM)
How do you mean by squeeze through?
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i dunno... your bonus? other income?

Or maybank close 1-eye? Not sure if maybank is THAT strict about this or not.
adele123
post Dec 3 2014, 09:18 AM

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QUOTE(haidar.mh8 @ Dec 2 2014, 11:20 PM)
do apple.com provide the free instalment package? sweat.gif
kind of waste if i dont utilise it.
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no... apple store online is good enough that people will still buy without 0% installment

my understanding is... based on maybank website... you can convert to instalment to 12 months... interest 9% p.a

and this is kinda OT... sweat.gif

This post has been edited by adele123: Dec 3 2014, 09:19 AM
adele123
post Dec 3 2014, 09:36 AM

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QUOTE(haidar.mh8 @ Dec 3 2014, 09:30 AM)
thank you adele..  rclxms.gif  thumbup.gif
it really helps me..what OT stands for?
how do i make the instalmment through maybank,give em a call icon_question.gif ?
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OT is... sign0006.gif

ezypay plus

i don't know if this is the only way or best way. i've done it before. best ask at maybank thread from sifus... 9% is ALOT OF INTEREST.

note of advice... find out HOW to get 0% installment plan BEFORE you buy... don't gung ho on iphone6...
adele123
post Dec 16 2014, 10:53 PM

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QUOTE(Kr0ll3R @ Dec 16 2014, 09:33 PM)
1. Annual Income: ~RM44K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mainly used for Installment Plan (not through merchant)

4. Existing credit cards if any: MBB 2 Cards (mainly AMEX)

5. Looking at CC from: CIMB Cash Rebate Gold MasterCard ?

6. Others: Looking for an alternative Visa/Master card that offers good benefits.

Looking forward to your advice.  biggrin.gif
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If mainly for installment... Ocbc silver. they have this automatic conversion to 3 or 6 months 0% installment.

Can look at uob one or citibank cash back.
adele123
post Dec 19 2014, 01:52 PM

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QUOTE(e747 @ Dec 19 2014, 06:19 AM)
How About cimb cash rebate?looks very good also
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depends on your usage really. but the popular answer is mbb2card and there's a good reason for it. like what the other guy said, best you try to understand pros and cons of the cards.

since you mentioned you are in labuan, i think the challenge is whether labuan has many places accepting amex (mbb2card). in klang valley, pretty much quite acceptable in many places...
adele123
post Dec 19 2014, 02:50 PM

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QUOTE(e747 @ Dec 19 2014, 02:00 PM)
I read about the AMEX and found a little info regarding CIMB cards. Thats are the problem whether they here using AMEX or not.But is see AMEX giving a nice benefit compare to CIMB. hmm.gif
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yes, personally any friends who ask me, my first answer is Mbb2card. 5% on everything beats the % by category for cimb cash rebate.


adele123
post Dec 20 2014, 08:35 PM

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QUOTE(e747 @ Dec 20 2014, 06:40 PM)
Nope,wanna buy at at phone shop in my town.Do you recommend me cimb or mbb?
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if the shop accepts amex, GREAT. 5% capped at RM50 rebate AND 5x points with mbb2card. if it doesn't... i rather use hlb essential/ocbc 1% unlimited rebate... buy phone RM1.5k, there's still RM15 rebate.

cimb... 0.2%... spend RM1500, get RM3 rebate... doh.gif

QUOTE(Shinichi @ Dec 20 2014, 06:53 PM)
Aside from PB Visa Signature and Maybank 2 Cards, is there any other card that gives cash back for dining and online payment with no strings attached?

Thanks.
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for online, you may refer to cimb cash rebate.

This post has been edited by adele123: Dec 20 2014, 08:36 PM
adele123
post Dec 24 2014, 10:16 AM

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QUOTE(maxwelx64 @ Dec 23 2014, 05:42 PM)
» Click to show Spoiler - click again to hide... «

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aside from the 2...

maybe you can have a look citibank cash back (min 36k though) or uob one? be wary of t&c...
adele123
post Jan 9 2015, 02:45 PM

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QUOTE(Archer17 @ Jan 7 2015, 11:56 AM)
Dear all sifu,
1. Annual Income: RM24K

2. Free Lifetime Annual Fee: yes (option if can waive it)

3. Card required for: Petrol

4. Existing credit cards if any: just got uob card & wise card but planing to cancel since hard to achieve the requirement

5. Looking at CC from: open

6. Others: I want cash back and rewards points
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QUOTE(13aby @ Jan 9 2015, 01:45 PM)
Which card best for petrol use? My income below 36k above 24k / annum
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If above 30k, MBB2Card but only pump petrol during weekends. 5% rebate + 5x points. Weekdays is only 5x points

If not, there’s still cimb cash rebate but only 2% rebate.

There’s still uob one at 5% but there’s that petrol limit.
adele123
post Jan 9 2015, 05:30 PM

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QUOTE(Archer17 @ Jan 9 2015, 02:48 PM)
it say got petrol limit would it be one month using it will be less than 2%?
if this the case i would take cimb
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best to consult users in the uob thread and see in actual calculation what is the rebate percentage. i don't have this card and i don't spend on petrol. tongue.gif

QUOTE(patrick4623 @ Jan 9 2015, 04:18 PM)
dear all sifu,
any cc no need to pay annual fees?
currently holding citibank shell and maybank2 card
plan to cancel citibank(poor service and no benefit) and apply others
Annual Income: RM50K
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Cimb cash rebate doesnt have annual fee. But quite a number cards out there are easily waivable upon swiping xx times.

This post has been edited by adele123: Jan 10 2015, 08:59 AM
adele123
post Jan 16 2015, 09:54 AM

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QUOTE(scy_krylief @ Jan 16 2015, 01:07 AM)
» Click to show Spoiler - click again to hide... «

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i'm not sure about the transfer part, i assume citi being citi for great service (not sarcasm), should be no problem. can ask at the citibank thread, see any sifu reply.

Just putting a suggestion (but you can ignore me if you have considered), why not citibank cash back instead of citibank rewards. covers petrol and grocery. but not the dining part.
adele123
post Jan 17 2015, 04:12 PM

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QUOTE(deanunited07 @ Jan 16 2015, 12:41 PM)
Im eyeing cimb petronas gold master card

cimb petronas gold master card

Is it safe to apply online?
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i applied my cimb card on cimb website as well. no issue. it's actually just more of email-ing the forms to them rather than submitting hard copies...
adele123
post Jan 20 2015, 10:44 AM

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QUOTE(LongLastFX @ Jan 19 2015, 09:03 PM)
Oic.. Thanks. Can i know what the advantage of this card over maybank and uob?
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aside from UOB, with the disadvantage as mentioned, you can go for citibank cash back instead. there's no petrol cap on citibank cash back but there are other t&c to take note.
adele123
post Jan 26 2015, 03:12 PM

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QUOTE(ronron @ Jan 25 2015, 09:14 PM)
1. Annual Income:  RM30K to RM36K

2. Free Lifetime Annual Fee: best if free (gst no problem for me)

3. Card required for: to cover weekdays expenses like petrol, groceries, makan, where AMEX is not accepted punya kedai. (cash back, reward point)

4. Existing credit cards if any: MBB 2 Gold, HSBC visa gold, SC cash back gold

5. Looking at CC from: between UoB one or Cimb cash back master, or any other better card.

6. Others: online foreign currency transaction like (steam, visa application, etc which pay in foreign currency).

thanks.
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If you hit 36k, citibank cash back is another option instead of uob one though both have pros and cons.

Also… can you even apply for another? You already have 3? Below 36k wo…
adele123
post Jan 26 2015, 04:50 PM

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QUOTE(ronron @ Jan 26 2015, 04:21 PM)
oh. is actually between 36k - 45k.
opps, sorry i forgot to mention the HSBC visa gold is a supp card.

I am also holding RHB visa EVo blush.gif

I want to cancel the Standard Chartered Cash Back gold actually (spent rm1500 to qualify for 5% cash back exclude petrol and insurance is hard)..... looking for a better cash back card. rclxub.gif
my location at Kota Kinabalu tiada Citibank outlet. sweat.gif
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apply online. GIRO using internet banking for payment.

i'm in Klang Valley, not that i have the time to go to any citibank too. but don't get me wrong, if you think uob suits you better, go ahead. just, lack of citibank outlet shouldn't stop one to apply.
adele123
post Feb 6 2015, 09:25 AM

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QUOTE(chrischiang @ Feb 5 2015, 04:45 PM)
» Click to show Spoiler - click again to hide... «

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CIMB Cash Rebate

uob vox

This post has been edited by adele123: Feb 6 2015, 09:27 AM
adele123
post Feb 9 2015, 03:13 PM

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QUOTE(kockroach @ Feb 9 2015, 10:52 AM)
Between Citibank Cashback Platinum and CIMB Cashback Platinum, which one better or easier to accumulate cashback? Was wondering does the annual fee for Citibank worth it compared to the free annual fee CIMB Cashback Platinum.
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Your spending pattern needs to be considered. I would think Citibank is better, 5% petrol, 2% telco, grocery, pharmacy. Cimb is 5% online, 2% grocery, petrol, utilities/telco (but must be on standing instruction)

Other retail spend rebate is 0.3% (citi) vs 0.2% (cimb). Citibank does have this requirement of accumulating RM50 rebate before paying out.

Also, if citi charges annual fee, then just cancel it after 1 year. It’s waived for 1st year anyway.

adele123
post Feb 13 2015, 05:00 PM

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QUOTE(nite_eif @ Feb 13 2015, 04:49 PM)
UOB VOX Visa..

5% unlimited cash back for online spending. no monthly cap.

is it real? meaning buy anything online get 5%..while for other retail 0.3%..
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why not real?

thought it's not unlimited. i suggest you visit uob website. it's actually 5% rebate of up to RM1k spending.
adele123
post Feb 24 2015, 07:23 PM

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QUOTE(t3arsCulprit @ Feb 24 2015, 03:59 PM)
Any other cashback credit card that are VISA/Mastercard?

Like 5% rebate for all kind of transaction not just limited to online transac..
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LOL... nothing is that good this world. bank need to earn... btw... citibank cash back or uob one?

QUOTE(w-han @ Feb 24 2015, 06:10 PM)
Need some advice here.
Im planning to have a 2nd CC. Currently Im using Maybank 2 cards and it is serving me well smile.gif
Need a 2nd CC for normal days pump petrol, dining and groceries preferably with cash back.

Any suggestions for good CC?
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for normal days petrol and grocery... citibank cash back or uob one?

or... cimb cash rebate? 5% online... though only 2% for petrol.

This post has been edited by adele123: Feb 24 2015, 07:26 PM
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